
					Average		Average			Value of Initial Fixed $100
	Summary				Summary		Compensation			Investment Based On:
	Compensation				Comp. Table		Actually				Company			Peer Group
	Table		Compensation		Total Comp.		Paid to			Total			Total					Adjusted
	Total Comp.		Actually Paid		for Non-CEO		Non-CEO			Shareholder			Shareholder		Net			One-Year
Year	for CEO (1)		to CEO (3)		NEOs (2)		NEOs (3)			Return			Return (4)		Income			ROATCE (5)
2025	$	7,633,279	$	9,203,813	$	2,181,113	$	2,335,059		$	158		$	153	$	653,122,000			18.6%
2024		7,542,833		12,504,646		4,253,902		5,333,145			150			143		523,000,000			16.9%
2023		6,523,511		6,231,205		4,429,093		4,195,237			113			127		565,900,000			21.3%
2022		11,657,989		12,884,815		4,162,215		4,422,936			116			127		414,169,000			21.1%
2021		3,971,101		4,414,151		1,352,603		1,504,898			113			137		277,538,000			15.4%

(1)	The CEO for each year is James C. Ryan, III, who began serving as our CEO in 2019.

(2)

The non-CEO NEOs for 2025 are Messrs. Burke, Moran and Sandgren and Ms. Vanzo.
The non-CEO NEOs for 2024 are Messrs. Moran and Sandgren, Michael L. Scudder (retired Executive Chairman), Mark G. Sander (retired President and COO), Brendan B. Falconer (former Chief Financial Officer) and Carrie G. Goldfeder (current Chief Credit Officer).
The non-CEO NEOs for 2022 and 2023 are Messrs. Scudder, Sander, Sandgren and Falconer.
The non-CEO NEOs for 2021 are Messrs. Sandgren, Falconer and Jeffrey L. Knight (retired Chief Legal Officer) and Ms. Vanzo.

(3)

To calculate compensation actually paid for the CEO and the average non-CEO NEOs, the following adjustments were made to the Summary Compensation Table total compensation, calculated in accordance with the SEC methodology for determining compensation actually paid for each year shown, excluding rows that are not applicable for the years presented:


									Add:
					Add:		Add:		change as of the		Add:
					fair value (FV)		change as of		vesting date		increase in				Add:
					as of FY-end of		end of FY in		(from end of		fair value of				value of
					equity awards		FV of awards		prior FY) in		awards granted				dividends or
			Deduct:		granted		granted in		FV for any		during applicable				other earnings
			grant date		during the year		any prior year		equity awards		FY that vested		Deduct:		paid on stock or
	Summary		fair value of		that are		that are		granted in any		during		Value as of prior YE		option awards
	Compensation		equity awards		outstanding and		outstanding and		prior year that		applicable FY,		for prior year awards		not otherwise
	Table		granted during		unvested as of		unvested as of		vested during or at		determined as of		forfeited during		included in		Compensation
CEO	Total		fiscal year (FY)		FY-end		FY-end		the end of the FY		vesting date		the year		SCT		Actually Paid
2025	$	7,633,279	$	3,910,775	$	3,441,309	$	1,528,205	$	100,539	$	0	$	0	$	411,256	$	9,203,813
2024		7,542,833		4,229,568		5,818,934		3,291,951		(46,191)		0		0		126,687		12,504,646
2023		6,523,511		3,011,947		2,940,592		(335,439)		(169,197)		0		0		283,685		6,231,205
2022		11,657,989		7,736,725		8,122,095		692,721		34,096		0		0		114,639		12,884,815
2021		3,971,101		1,540,832		1,587,472		242,043		112,394		0		0		41,973		4,414,151

Other NEOs Avg.
2025	$	2,181,113	$	746,041	$	697,643	$	141,636	$	24,028	$	0	$	0	$	36,680	$	2,335,059
2024		4,253,902		1,502,726		1,898,267		800,403		(18,114)		35,670		150,316		16,059		5,333,145
2023		4,429,093		1,273,391		1,242,077		(146,058)		(105,667)		0		0		49,183		4,195,237
2022		4,162,215		2,030,809		2,162,267		102,279		(6,661)		0		0		33,645		4,422,936
2021		1,352,603		371,607		382,862		62,209		57,214		0		0		21,616		1,504,898

(4)	The Company has chosen to use the KRX Index as its peer group for this “Pay Versus Performance” section.

(5)

This non-GAAP financial measure (Adjusted One-Year ROATCE) excludes certain items, such as merger-related charges associated with completed and pending acquisitions, CECL Day 1 non-PCD loans provision expense, pension plan gain, reduction to previously accrued FDIC special assessment expense and net securities losses. The equivalent GAAP measure for one-year ROATCE was 15.3%, 15.4%, 20.2%, 16.3% and 14.9% for 2025, 2024, 2023, 2022 and 2021, respectively. Reference is made to the non-GAAP reconciliation included in the Company’s January 21, 2026 press release reporting its financial results for its 2025 fourth quarter and full year, which was included as Exhibit 99.1 to the Company’s Current Report on Form 8-K filed with the SEC on January 21, 2026.

Named Executive Officers, Footnote


					Average		Average			Value of Initial Fixed $100
	Summary				Summary		Compensation			Investment Based On:
	Compensation				Comp. Table		Actually				Company			Peer Group
	Table		Compensation		Total Comp.		Paid to			Total			Total					Adjusted
	Total Comp.		Actually Paid		for Non-CEO		Non-CEO			Shareholder			Shareholder		Net			One-Year
Year	for CEO (1)		to CEO (3)		NEOs (2)		NEOs (3)			Return			Return (4)		Income			ROATCE (5)
2025	$	7,633,279	$	9,203,813	$	2,181,113	$	2,335,059		$	158		$	153	$	653,122,000			18.6%
2024		7,542,833		12,504,646		4,253,902		5,333,145			150			143		523,000,000			16.9%
2023		6,523,511		6,231,205		4,429,093		4,195,237			113			127		565,900,000			21.3%
2022		11,657,989		12,884,815		4,162,215		4,422,936			116			127		414,169,000			21.1%
2021		3,971,101		4,414,151		1,352,603		1,504,898			113			137		277,538,000			15.4%

(1)	The CEO for each year is James C. Ryan, III, who began serving as our CEO in 2019.

(2)

The non-CEO NEOs for 2025 are Messrs. Burke, Moran and Sandgren and Ms. Vanzo.
The non-CEO NEOs for 2024 are Messrs. Moran and Sandgren, Michael L. Scudder (retired Executive Chairman), Mark G. Sander (retired President and COO), Brendan B. Falconer (former Chief Financial Officer) and Carrie G. Goldfeder (current Chief Credit Officer).
The non-CEO NEOs for 2022 and 2023 are Messrs. Scudder, Sander, Sandgren and Falconer.
The non-CEO NEOs for 2021 are Messrs. Sandgren, Falconer and Jeffrey L. Knight (retired Chief Legal Officer) and Ms. Vanzo.

PEO Total Compensation Amount

$ 7,633,279

$ 7,542,833

$ 6,523,511

$ 11,657,989

$ 3,971,101

Adjustment To PEO Compensation, Footnote

(3)

To calculate compensation actually paid for the CEO and the average non-CEO NEOs, the following adjustments were made to the Summary Compensation Table total compensation, calculated in accordance with the SEC methodology for determining compensation actually paid for each year shown, excluding rows that are not applicable for the years presented:


									Add:
					Add:		Add:		change as of the		Add:
					fair value (FV)		change as of		vesting date		increase in				Add:
					as of FY-end of		end of FY in		(from end of		fair value of				value of
					equity awards		FV of awards		prior FY) in		awards granted				dividends or
			Deduct:		granted		granted in		FV for any		during applicable				other earnings
			grant date		during the year		any prior year		equity awards		FY that vested		Deduct:		paid on stock or
	Summary		fair value of		that are		that are		granted in any		during		Value as of prior YE		option awards
	Compensation		equity awards		outstanding and		outstanding and		prior year that		applicable FY,		for prior year awards		not otherwise
	Table		granted during		unvested as of		unvested as of		vested during or at		determined as of		forfeited during		included in		Compensation
CEO	Total		fiscal year (FY)		FY-end		FY-end		the end of the FY		vesting date		the year		SCT		Actually Paid
2025	$	7,633,279	$	3,910,775	$	3,441,309	$	1,528,205	$	100,539	$	0	$	0	$	411,256	$	9,203,813
2024		7,542,833		4,229,568		5,818,934		3,291,951		(46,191)		0		0		126,687		12,504,646
2023		6,523,511		3,011,947		2,940,592		(335,439)		(169,197)		0		0		283,685		6,231,205
2022		11,657,989		7,736,725		8,122,095		692,721		34,096		0		0		114,639		12,884,815
2021		3,971,101		1,540,832		1,587,472		242,043		112,394		0		0		41,973		4,414,151

Other NEOs Avg.
2025	$	2,181,113	$	746,041	$	697,643	$	141,636	$	24,028	$	0	$	0	$	36,680	$	2,335,059
2024		4,253,902		1,502,726		1,898,267		800,403		(18,114)		35,670		150,316		16,059		5,333,145
2023		4,429,093		1,273,391		1,242,077		(146,058)		(105,667)		0		0		49,183		4,195,237
2022		4,162,215		2,030,809		2,162,267		102,279		(6,661)		0		0		33,645		4,422,936
2021		1,352,603		371,607		382,862		62,209		57,214		0		0		21,616		1,504,898

Non-PEO NEO Average Compensation Actually Paid Amount

$ 2,335,059

5,333,145

4,195,237

4,422,936

1,504,898

Compensation Actually Paid vs. Total Shareholder Return

Total Shareholder Return. The following chart reflects compensation actually paid to our CEO and the average compensation actually paid to our other NEOs compared to (i) our cumulative TSR and (ii) the TSR of the companies in the KRX Index for the fiscal years ended 2021-2025.

Compensation Actually Paid vs. Company Selected Measure

Adjusted One-Year ROATCE. The following chart reflects compensation actually paid to our CEO and the average compensation actually paid to our other NEOs compared to our one-year adjusted ROATCE for the fiscal years ended 2021-2025.

Tabular List, Table

Tabular List (Unranked)

The table below provides an unranked list of the most important financial measures used by the Company to link compensation actually paid to the Company’s performance in 2025. These financial metrics were used in determining short- and long-term incentive awards in 2025.

Adjusted EPS

Relative TSR

Relative ROATCE